In February 2026, home renovation in France will be marked by stricter government subsidies and a slight increase in interest rates. To successfully complete your home improvement project, you need to combine advantageous financing options with energy efficiency grants.
💰 Financing your renovations in 2026
The average cost of a renovation is around €700/m², but can climb to €2,500/m² for major structural work.
Standard Home Improvement Loan: Average rates in February 2026 range from 4.50% to 8.50%, depending on the loan term. Organizations like Cetelem and Cofidis often offer loans with no application fees.
Zero-Interest Eco-Loan (Eco-PTZ): Still available until December 31, 2027, it allows you to borrow up to €50,000 interest-free for a comprehensive renovation (minimum improvement of 2 energy performance certificate (DPE) ratings).
Zero-Interest Loan (PTZ): For first-time buyers of existing properties requiring renovation, the maximum loan amount could be increased by 25% in 2026, making the program more accessible despite rising prices.